Loans in Howell County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Howell County, MO.
The median household in Howell County earns $50,993 a year, 28% below the Missouri median of $70,702. About 20% of residents live below the federal poverty line, and 29.7% of households rent their home. 11.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Howell County
Lenders that serve Howell County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Howell County
What Howell County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Howell County
Payday Loans Legal
Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Personal Loans
No rate cap: licensed lenders may charge rates agreed by the parties.
Title Loans Legal
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Banks and credit unions in Howell County
Banks with branches in Howell County
18 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| West Plains Bank and Trust Company | 6 | 11 Court Sq, West Plains 65775 |
| Simmons Bank | 3 | 105 W 6th St, Mountain View 65548 |
| Wood & Huston Bank | 2 | 1319 Porter Wagoner Blvd, West Plains 65775 |
| Community First Banking Company | 2 | 1330 Southern Hills Ctr, West Plains 65775 |
| Southern Bank | 2 | 960 Preacher Roe Blvd, West Plains 65775 |
| West Plains Savings and Loan Association | 1 | 417 W Broadway St, West Plains 65775 |
| FNBC Bank | 1 | 1311 Porter Wagoner Blvd, West Plains 65775 |
| Great Southern Bank | 1 | 1210 Parkway Shopping Ctr, West Plains 65775 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Howell County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| South Central Missouri | 901 E Main St, Willow Springs 65793 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Howell County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Howell County?
Howell County follows Missouri law. Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Are title loans legal in Howell County?
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Where can I get a small loan in Howell County?
Options include 18 bank and 1 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Howell County?
Fill out our short online form from anywhere in Howell County. We share it with lenders in our network that serve Missouri; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Howell County?
Yes. You don't need to visit a branch or storefront anywhere in Howell County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Missouri. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Howell County?
Yes. When an unexpected bill comes up, Howell County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Howell County, MO?
You can apply at banks, credit unions and lenders in Howell County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Missouri residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Howell County with bad credit?
Yes, many lenders in our network work with Howell County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.